TellerScore

Consumers Credit Union (NCUA charter #68588) is based in lake Forest, Illinois. Its Q2 2026 call report shows $4.6B in total assets and $3.7B in member shares and deposits and 25 offices.

Consumers Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 454 credit unions with $1 billion – $10 billion. Among 188 credit unions headquartered in Illinois, it ranks 159th. Problem-loan coverage contributes the most (86/100, 7.0%); capital cushion contributes the least (40/100, 8.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 8.96%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity74/100
Loans ÷ shares: 86.4% · 11.0% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.99%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (60 → 59).

TellerScore
535760Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202454
Q4 202456
Q1 202559
Q2 202560
Q3 202558
Q4 202557
Q1 202654
Q2 202659
Net worth ratio
7.00%8.46%9.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.06%
Q3 20249.17%
Q4 20249.93%
Q1 20259.66%
Q2 20259.40%
Q3 20259.01%
Q4 20258.93%
Q1 20268.80%
Q2 20268.96%
Delinquent loans (60+ days)
0.86%1.06%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.18%
Q3 20241.26%
Q4 20241.15%
Q1 20250.95%
Q2 20250.86%
Q3 20250.90%
Q4 20250.93%
Q1 20260.91%
Q2 20260.86%
Return on assets
0.23%0.49%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.28%
Q3 20240.47%
Q4 20240.28%
Q1 20250.48%
Q2 20250.62%
Q3 20250.63%
Q4 20250.62%
Q1 20260.23%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$4.6B8.96%0.86%0.75%86.4%
Q1 202654$4.6B8.80%0.91%0.23%85.4%
Q4 202557$4.5B8.93%0.93%0.62%87.8%
Q3 202558$4.4B9.01%0.90%0.63%87.2%
Q2 202560$4.3B9.40%0.86%0.62%85.6%
Q1 202559$4.2B9.66%0.95%0.48%81.8%
Q4 202456$4.0B9.93%1.15%0.28%85.8%
Q3 202454$3.5B9.17%1.26%0.47%88.2%
Q2 202453$3.5B9.06%1.18%0.28%87.8%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.96%
10th
Problem loans0.86%
35th
Net charge-offs0.81%
23rd
Return on assets0.75%
44th
Loans to deposits86.4%
55th
Uninsured deposits11.0%
34th
Loan-loss reserves0.00%
50th
Texas ratio7.0%
28th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
State Farm Federal Credit UnionCredit union Bloomington, IL79 out of 100, Strong$5.7B13.0%0.31%vs
Baxter Credit UnionCredit union Vernon Hills, IL60 out of 100, Moderate$6.4B10.3%0.86%vs
Credit Union 1Credit union Lombard, IL68 out of 100, Moderate$2.9B10.9%1.35%vs
I. H. Mississippi Valley Credit UnionCredit union Moline, IL61 out of 100, Moderate$2.3B9.1%0.86%vs
Empeople Credit UnionCredit union Moline, IL58 out of 100, Moderate$2.3B8.3%0.59%vs
Scott Credit UnionCredit union Edwardsville, IL71 out of 100, Strong$1.9B10.1%0.54%vs

Deposit insurance

Is my money safe at Consumers Credit Union?

Yes. Consumers Credit Union is a federally insured credit union (NCUA charter #68588). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 11.0% of shares and deposits ($406.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.96%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

25 locations

Branches

Consumers Credit Union lists 25 offices in 21 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Consumers Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68588
RSSD ID
271396
Primary regulator
State + NCUA
Established
1930
Headquarters
300 N Field Dr, lake Forest, IL 60045
Employees
599

Quick answers

Consumers Credit Union: common questions

Is Consumers Credit Union NCUA insured?

Yes. Consumers Credit Union is a federally insured credit union (NCUA charter #68588). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Consumers Credit Union's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Consumers Credit Union have?

25 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near lake Forest

InstitutionScoreAssetsCapitalProblem loansCompare
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs
Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL86 out of 100, Very strong$41.4M13.7%0.09%vs
1st Equity BankBank Skokie, IL85 out of 100, Very strong$130.0M16.5%0.00%vs
A.A.E.C. Credit UnionCredit union Arlington Heigh, IL84 out of 100, Strong$118.9M13.0%0.02%vs
Brickyard BankBank Lincolnwood, IL84 out of 100, Strong$159.0M15.6%0.13%vs